The system is broken. I think a fundamental issue is that insurance is not really insurance - it is used to cover routine, expected things such as a flu shot (w

The system is broken. I think a fundamental issue is that insurance is not really insurance - it is used to cover routine, expected things such as a flu shot (while increasing cost for these and adding complexity, bureaucracy, middlemen). E.g. car insurance does not cover oil changes and home insurance does not cover getting the gutters cleaned - they're there for major events.